Men and women squirrel away fat differently, according to Harris-Pincus. On average, women have six to 11 percent more body fat than men. That extra fat typically gathers lower on the body (especially before they hit menopause) around the hips and thighs, creating a pear-shape. Men, on the other hand, tend to accumulate fat around the belly (hence, the beer gut).
If you haven’t picked up on the importance of preparation, then we haven’t done our job. It’s all too easy to get wrapped up in your busy schedule and forget to put a priority on health and what actions contribute to it. “People don’t plan for the week as far as writing their workout times in the calendar. If you write them down you’re 30% more likely to stay adherent to your workout. Write them down as you would any doctor’s appointment and try to shoot for sticking with it,” says White. The more workouts you check off, the faster you’re going to see results. Do yourself a favor and book that bike ahead of time—you’ll eliminate the opportunity for lame excuses by making a real commitment to your sweat sessions.

Another win for your morning cup of joe: Caffeinated coffee keeps things moving through the digestive tract. Since staying regular is key to a tighter-looking tummy, drinking about 8 to 16 ounces of java at the same time every day can help you stay on schedule. Remember: Sugary drinks can lead to weight gain, so skip fancy flavorings and synthetic sweeteners containing sugar alcohols, which can cause bloating.
“It seems so simple, but 45 to 60 minutes of brisk walking every day can do wonders for your metabolism,” Sahmura Gonzalez, a master trainer at Crunch Fitness in New York City, recently told Prevention. “Plus, it ensures that you don’t over-train, which can lead to an over-production of cortisol—a stress hormone that’s been shown to contribute to belly fat.”
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"Protein is great for fat loss. It helps build and preserve lean muscle tissue and can increase the amount of calories you burn. It’s also a great source of energy that helps you feel fuller for longer, so you’re less tempted to snack. Good sources include chicken breast, tuna, eggs, milk and chickpeas. And if you’re finding it difficult to avoid snacks that are high in carbohydrates, try substituting them for protein shakes or bars. Remember also to opt for the lean sources of protein because some sources can be high in saturated fat."

When your body is low on calcium, it produces a hormone that signals the body to store visceral fat. Meeting your recommended daily calcium needs (that’s 1,000 milligrams for adults) can help reduce levels of this hormone. And a recent study published in Obesity Research found that calcium from dairy has a stronger effect than calcium from other sources. I recommend eating low-fat Greek yogurt as a daily snack (just six ounces contain about 20 percent of your recommended dietary allowance for calcium), though any low-fat dairy will do.
When you exercise on the rowing machine, try this interval workout: Row for 60 seconds, note the distance on the machine, then rest 60 seconds. Repeat, only this time, row for 55 seconds and try to match or better your distance from the first time. Rest 55 seconds, then repeat, reducing the time to 50 seconds. Continue until you can’t beat your original distance.
And how often to work out to get rid of belly fat? Well, as you know, too much cortisol can counteract your belly fat loss efforts. Belalij suggests doing 30-minute sessions, three times per week. “As you start to lose belly fat your body will want to cling on more and more to what is left, so you must increase the intensity or duration of your workouts, the more fat you lose,” Belalij says. And Hughes agrees:
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